Clifford Gamble is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He previously worked at Western International Securities, Inc. for 12 years and has served as president of Life Rx Corporation since 1994. He also acts in a fiduciary capacity for the Fred E. Helmick Irrevocable Trust. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs, financial planning, and retirement consulting, supported by a variety of portfolio management options and research services.

Larry Au is a financial advisor with Ameriprise in Auburn, CA, holding a Series 66 designation and 22 years of industry experience. He previously worked at Stifel Nicolaus & Co Inc for 17 years before joining Ameriprise. He serves on the advisory board of the Salvation Army. Ameriprise offers retirement-income planning services targeted at individuals nearing or in retirement who meet specific asset criteria, combining research and modeling with tax-efficient withdrawal strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Adam Altman is a financial advisor with Morgan Stanley in Roseville, CA, holding Series 63 and Series 66 licenses and having 23 years of industry experience. He has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients by providing advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes tools such as Monte Carlo simulations and Secular Return Estimates.

Bradley Baer is a financial advisor with Thrivent Investment Management in Roseville, CA, holding Series 63 and Series 66 licenses and bringing 36 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based planning across various topics and allows clients to integrate planning with managed account services under a consolidated billing option, while maintaining separation between planning and portfolio management.

George Robertson is a CFP® professional with six years of industry experience, currently affiliated with Cetera. His prior roles include positions at Edward Jones, Franklin Templeton Investments, and LPL Financial. He is also involved with Sierra Oaks Financial Planning, Inc. and Sierra Ridge Advisor Group in capacities related to LPL business activities. Cetera Investment Advisers LLC operates as an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management options, financial planning, and access to various third-party investment strategies.

Michael Ibrahim is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 credentials and three years of industry experience. His prior experience includes a year at Charles Schwab & Co., Inc., along with roles at Fidelity since 2023. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, model portfolios, and fund advisory services.

Peter Hora is a financial advisor at Edelman Financial Engines with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Alliant Credit Union and LPL Financial. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, offering diversified model portfolios, discretionary and non-discretionary management, and operates as a fiduciary under ERISA and DOL guidelines.

Dave Bostick is the Vice President and Resident Director of the Roseville Office at Merrill Lynch Wealth Management. In his role, he leads the office by communicating the firm's strategic vision and supporting fellow Advisors. Dave works closely with individuals, couples, and multiple generations of client families to help them discern their financial goals and supports those priorities through integrated strategy and advice. Beginning his career in investing and wealth management in 2001, Dave joined Merrill in 2011. He emphasizes attentive listening and collaborative planning, tailoring approaches that encompass planning, investing, savings, next-generation wealth transfer, and banking and lending services through Bank of America. Dave's team employs an open-architecture framework for investing, providing clients with a broad universe of options. Dave earned a bachelor's degree in Business Administration from Montreat College. He holds the Chartered Retirement Planning Counselor™ and Certified Plan Fiduciary Advisor® designations. Originally from Sacramento, Dave resides in his home community with his wife Tamara and their two children, Allison and Tyler.

Walter Mccurdy is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a power of attorney for a family member. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Adam Lymath is a financial advisor at Cetera with Series 66 credentials and one year of industry experience. Prior to joining Cetera, he worked at LPL Financial LLC and Pacific Wholesale Mortgage. He also serves as a firefighter for the City of San Rafael Fire Department, a position he has held since 2016. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Daniel Poppers is a financial advisor with Ameriprise in Orangevale, CA, holding a Series 66 designation and 12 years of industry experience. His prior work includes positions at Golden State Wealth Management, LPL Financial, and Edward Jones. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, providing detailed written Recommendation Reports that address income planning, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis with algorithmic tools overseen by an internal committee to generate personalized recommendations.

Lesa Franklin Johnson is a financial advisor at Edward Jones with 36 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

David Torp is a financial advisor with LPL Financial in El Dorado Hills, CA, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. He has been associated with Linsco/Private Ledger Corp. since 2007. In addition to his advisory role, he operates C&T Group, Investment Management LLC, which offers insurance products including fixed, long-term care, and health insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and brokerage services, utilizing discretionary and non-discretionary management supported by model portfolios and research from LPL Research and third-party subadvisors.

Cody Sloan is a CFP® and holds a Series 66 license with Edward Jones, where he has worked since 2006. He has 19 years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment solutions through a nationwide network of more than 23,000 financial advisors.

Nataliya Chernopiski is a financial advisor with Wells Fargo Clearing in Roseville, CA, holding a Series 63 designation and seven years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2012 to 2016. Outside of her advisory role, she serves as treasurer for the City Bible Church of Sacramento. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment vehicles and bank deposit sweep options in its offerings.

Brian Mishler is a financial advisor with Edward Jones in Auburn, CA, holding Series 63 and Series 66 credentials and over 32 years of industry experience. He has been with Edward Jones since 1993. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm provides a range of advisory offerings, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of over 23,700 financial advisors.

Douglas Crumley Jr. is a financial advisor at Ameriprise with 21 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers specialized retirement-income planning services for individuals approaching or in retirement who meet certain asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Dexter Loo is a financial advisor at LPL Financial with 21 years of industry experience. He holds Series 63 and Series 66 credentials and has been with LPL Financial since 2009. Outside of his advisory role, he operates a business under the name Dennis Loo & Associates. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by research and model portfolios.

Michael Levitt is a financial advisor at Edward Jones in Fair Oaks, CA, holding a Series 66 designation. He has one year of industry experience, previously working at World Financial Group and with a background that includes roles at Kaiser Permanente, Washington Hospital, and Santa Clara Valley Medical Center. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a range of investment strategies and advisory services. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,000 financial advisors and emphasizes both discretionary and non-discretionary portfolio management under a fiduciary standard.

David Loeffler is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he is involved in radio and TV broadcasting and production as an on-camera and voice-over talent. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related investment options alongside traditional products.